Embrace | Pet Insurance Review

This is the best choice we have ever made! We have had our coverage for a year now and it has truly paid for its self. Our dog swallowed a squeaker from a toy totaling more than $9000 in surgery and treatment and Embrace covered all of claims with no issue.

I adopted a shelter cat in late October of 2015 and enrolled her in Embrace. She had been an abused cat and was nervous and untrusting and quick to try to bite. She seemed to groom frequently but I attributed this to nervousness and gave her love and fish oil supplements for her coat. Her coat improved and grew much thicker and shinier but she appeared to still be over-grooming and itchy so I took her to my vet in January of 2016, well after the policy wait period. There was no diagnosis but pruritis which is a symptom, not even a condition. I submitted my claim to Embrace and it was denied as a pre-existing condition stating that nothing related to itchiness would ever be covered. This is absurd. They could not find anything in her record which indicated that she ever had anything so the very fact that I mentioned to my vet that she seemed to groom a lot prompted Embrace do deny my claim even though she did not see a vet until more that two months after I enrolled her in Embrace. They will do anything to deny your claim. The policy states a pre-existing condition is anything that is diagnosed prior to the waiting period. Nothing was diagnosed prior to the waiting period yet my claim has been denied. DO NOT INSURE YOUR PET WITH THIS COMPANY WHICH HAS APPARENTLY BEEN SOLD AND CHANGED UNDERWRITERS.

We have field trial golden retrievers that are near and dear to us. We have gotten pet insurance for almost 20 years with various companies and have been with Embrace since almost their inception. Our 2 goldens were started with Embrace since they were puppies. Our next puppy (soon to be born) will be insured with Embrace. Caring people. Super quick turnaround. Direct deposit - great when we're on the road or away from home for treatment. Easy to work with. Honest.

This was probably the longest I have waited for a claim check BUT every claim has been handled professionally and the staff is extremely kind. The checks are mailed VERY fast. I am very impressed with this company and will tell everyone I know!

We signed up for a free 2-month trial through our vet's office at a routine visit. 2 weeks later, our 6-month old puppy fractured her knee while playing! Embrace was so helpful and covered all the costs for her surgery, pre-and post-operative care, and her follow-up X-rays a few weeks later. This was very expensive and had we not had the coverage, we were unsure how we would cover it. I was so impressed that they paid out all the claims and ALL during our Trial period!! We immediately knew we would continue using them for pet insurance and are so glad we did. Highly recommended! And great, prompt, courteous customer service always. Claims are extremely easy to submit too, some of them were also submitting for us directly through our Vet's office or the Vet hospital.